我國城市群數字普惠金融的空間格局特徵

我國城市群數字普惠金融的空間格局特徵

何練 ¹ 邵春子 ^2,*

（1. 深圳職業技術大學 經濟學院，廣東 深圳，518000；

2. 珠海科技學院，廣東 珠海，519000）

摘　要：城市群作為金融跨省域的獨特載體，是我國數字普惠金融發展的重要平臺。本文運用重心移動模型、Dagum 係數等對我國城市群數字普惠金融進行研究，結果發現：（1）城

市群數字普惠金融落後省域發展水準，2011-2021 年持續增長 4.44 倍，增長率縮量下滑30.43%；（2）城市群數字普惠金融梯隊分佈均勻且結構較為穩定，重心座標表現出中心化（尤其是副中心化）和邊境化的移動固化趨勢；（3）城市群數字普惠金融顯著協同集聚，局部集聚狀態不理想但集聚趨勢向好；（4）城市群數字普惠金融的空間差距整體持續縮小，城市群金融要素的交叉重疊及群間差距是其空間差距的主要來源。為此，應推進城市群數字普惠金融體制機制建設，強化優勢城市群輻射帶動效應，搭建“東融西用”橋樑，推動城市群數字普惠金融協同發展，促成我國城市群數字普惠金融發展的均衡空間格局。

關鍵字：城市群研究；數字金融；數字普惠金融指數；重心移動模型；空間格局特徵

Spatial Pattern Characteristics of Urban Agglomerations’ Digital

Inclusive Finance in China

He Lian¹ Shao Chunzi^2,*

(1.School of Economics, Shenzhen Polytechnic University, Shenzhen Guangdong, 518000;

2.Zhuhai College of Science and Technology, Zhuhai Guangdong, 519000;)

Abstract: As a unique financial carrier across provinces, urban agglomerations are an important platform for the development of digital inclusive finance in China. This article uses the Gravity model, Moran Index and Dagum Coefficient to study the digital inclusive finance of urban agglomerations. The conclusions are that the development of digital inclusive finance in urban agglomerations lagged behind provincial development, with the growth of 4.44 times from 2011 to 2021. The growth rate shrank by 30.43%. The digital inclusive financial echelon of urban agglomerations is evenly distributed and structurally stable. The coordinates of gravity center shew that the urban agglomerations moved towards central part (especially secondary central part) and the border. These movements tended to solidification. The global agglomeration of digital inclusive finance was significantly synergistic, but partial agglomeration was not ideal. The major pattern of agglomeration was low-low agglomeration, with an assisted pattern of high-high one.The pattern was changing better gradually. The spatial gap among urban agglomerations continued to narrow, with the gap among urban agglomerations larger than that within urban agglomerations,and the main gap laying to the overlapping phenomenon among urban agglomerations. Therefore, this article suggests promoting the institution construction of digital inclusive finance in urban agglomerations, strengthening the driving effect of advantageous urban agglomerations, building bridges of “Financing from East to West”, so as to accelerate the collaborative development of digital inclusive finance in urban agglomerations, and form a balanced spatial pattern of development in urban agglomerations’ digital inclusive finance in China.

Keywords: Urban agglomeration research; Digital finance; Digital Inclusive Finance Index;Center of gravity movement model; Spatial pattern characteristics

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