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

摘要： 在测度中国数字普惠金融发展水平基础上,采用Dagum基尼系数、方差分解和地理探测器方法从空间协同、结构协同及外在驱动因素三个方面考察我国数字普惠金融协同发展状况与协同机制,并据此探究我国数字普惠金融协同发展路径。研究发现:样本期间全国整体及八大综合经济区数字普惠金融水平均呈上升态势,但地区间分异显著;区域间差异是阻碍数字普惠金融协同发展的主要空间来源;对于全国整体来说,覆盖广度差异是数字普惠金融发展不协同的主要结构来源,而在东部沿海、南部沿海、黄河中游等地区,使用深度差异超过覆盖广度差异成为影响区域内数字普惠金融发展不协同的主要结构来源;不论是在全国整体还是八大综合经济区,降低互联网覆盖差异和经济发展水平差异都是驱动数字普惠金融协同发展的主要因素,且每两对因素组合都会加强各自对数字普惠金融协同发展的影响。本文基于八大综合经济区视角,揭示了我国数字普惠金融发展的空间协同、结构协同和外在驱动机制,为探寻数字普惠金融协同发展路径提供有益借鉴。

关键词: 数字普惠金融, Dagum基尼系数, 结构来源, 地理探测器