摘要
本文基于2014—2018年北京大学数字普惠金融数据库和江苏省县域普惠金融发展数据库,以江苏省43个县域为代表,构建县域数字金融发展评价体系,分析江苏省县域数字金融整体发展、地区差异与动态变化,并结合江苏县域普惠金融发展指数,探究县域层面数字金融发展与传统金融的空间联系。结果表明,整体而言,江苏省县域数字金融发展水平逐年上升,但近年来发展速度逐步放缓。从空间维度上看,江苏省县域数字金融发展水平存在着明显的区域差异,体现为苏南、苏中和苏北各地区之间的相对差异,但在时间维度上区域差异在不断缩小,县域数字金融发展整体趋同,数字金融普惠特征不断凸显。进一步地,数字金融虽然作为一种革命性的金融创新,但其发展水平仍然与传统普惠金融发展密切相关。未来推进普惠金融发展的政策选择是在提高县域农村居民的金融素养和缩小数字鸿沟的同时,继续加强传统金融基础建设,辅之以有效金融监管和政策引导,"线上"与"线下"相结合推进普惠金融发展不断深化。
Based on the 2014-2018 PKU digital inclusive finance database and Jiangsu Province county inclusive finance development database,taking 43 counties in Jiangsu Province as representatives,this paper constructs the county level digital finance development evaluation system,analyzes the overall development,regional differences and dynamic changes of Jiangsu county digital finance,and explored the spatial connection between the development of county digital finance and traditional finance.The results show that,on the whole,the development level of county digital finance in Jiangsu Province has increased year by year,but the speed has gradually slowed down in recent years.From the spatial dimension,there are obvious regional differences in the development level of county digital finance in Jiangsu Province,which is reflected in the relative differences among the south,middle and north of Jiangsu.However,from the perspective of time dimension,regional differences are shrinking,county digital inclusive finance is converging as a whole,and the features of inclusive finance are becoming increasingly prominent.Furthermore,although digital finance is a revolutionary financial innovation,its development level is still closely related to the development of traditional Inclusive Finance.The policy choice to promote the development of inclusive finance in the future is to improve the financial literacy of rural residents in counties and narrow the digital divide,and to continue to strengthen the construction of traditional financial infrastructure,supplemented by effective financial supervision and policy guidance,and to deepen the development of inclusive finance by combining"online"with"offline".
出处
《农业经济问题》
CSSCI
北大核心
2020年第11期120-130,共11页
Issues in Agricultural Economy
基金
国家自然科学基金面上项目“中国农村数字金融的发展机制和效应:基于实验经济的研究”(编号:71973064)。
关键词
数字金融
普惠金融
县域金融发展
Digital finance
Financial inclusion
County financial development
