Research on the Spatial Agglomeration and Convergence of Urban Digital Inclusive Finance Development in China

Abstract

Abstract: Building spatial panel data regression model on the premise of geographical distance and economic distance spatial weight matrix respectively, this paper analyzes the spatial agglomeration of urban digital inclusive finance in China, and empirically tests the spatial convergence of digital inclusive finance in the whole country and the three regions based the data of prefectural-level cities. The results show that: the urban digital inclusive finance has significant spatial autocorrelation. Even if many regional economic characteristics are controlled, the development of digital inclusive finance still has a significant positive spatial agglomeration effect. The development of digital inclusive finance in the whole country and the three regions shows a typical σ convergence, and there is significant absolute and conditional β convergence, but the speed of space convergence varies with different regions.

Key words: City, Digital Inclusive Finance, Spatial Agglomeration, Spatial Convergence

摘要： 基于数字普惠金融地级城市层面数据,采用地理距离和经济距离空间权重矩阵构建空间面板数据回归模型,考察中国城市数字普惠金融发展的空间集聚特征,并从全国整体和三大区域对数字普惠金融发展的空间收敛性进行实证检验。研究发现:城市数字普惠金融具有显著的空间自相关性,即便控制多个区域经济特征变量,数字普惠金融的发展仍具有显著的正向空间集聚效应;全国整体和三大区域数字普惠金融的发展呈现出典型的σ收敛,并且均存在显著的绝对和条件β收敛,但不同区域的空间收敛速度有所差异。

关键词: 城市, 数字普惠金融, 空间集聚, 空间收敛

CLC Number:

F832.7

LIANG Bang, ZHANG Jianhua. Research on the Spatial Agglomeration and Convergence of Urban Digital Inclusive Finance Development in China[J]. , 2020, 36(1): 54-64.

梁榜, 张建华. 中国城市数字普惠金融发展的空间集聚及收敛性研究[J]. 财经论丛, 2020, 36(1): 54-64.

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