关键词: 数字普惠金融, Dagum基尼系数, 结构来源, 地理探测器

Abstract: On the basis of measuring the development level of digital inclusive finance in China, this paper uses Dagum Gini coefficient, variance decomposition and geographic detector to investigate the collaborative development mechanism of digital inclusive finance in China in terms of spatial synergy, structural synergy and external driving factors, and then explores the collaborative development path of digital inclusive finance in China. The findings are as follows: During the sample period, the digital financial inclusion level in China as a whole and in the eight comprehensive economic zones is on the rise, but there are significant differences among regions; regional differences are the main spatial source of the non-synergistic development of digital financial inclusion, especially the differences between the eastern coastal region and other regions; for the country as a whole, the difference in coverage breadth is still the main structural source of the uncoordinated development of digital financial inclusion, while in the eastern coastal areas and others, the depth of use gradually exceeds the coverage breadth and becomes the main structural source of the uncoordinated development of digital financial inclusion within the region; narrowing the gap between Internet coverage and economic development levels is a major factor in promoting the coordinated development of digital financial inclusion, and each pair of factors will enhance their respective impact on the coordinated development of digital financial inclusion. Based on the perspective of eight comprehensive economic zones, this paper comprehensively reveals the spatial synergy, structural synergy and external driving mechanism of the development of digital inclusive finance in China, and provides useful reference for exploring the path of the coordinated development of digital inclusive finance.

Key words: Digital Inclusive Finance, Dagum Gini Coefficient, Structural Source, Geographic Detector