Spatio-temporal evolutionary characteristics and driving factors of China's rural financial inclusion from perspective of virtual agglomeration
The popularization of new-generation information technology has changed the pattern of rural fin-ancial development,and the financial system that used to cover only traditional financial services can no longer comprehensively reflect the inclusive development of rural finance in China.Based on the theoretical logic of rural financial inclusion in the perspective of virtual agglomeration,this paper further constructs a rural finan-cial inclusion index system covering three dimensions of penetration,use utility and affordability,fits the in-dex of the level of rural financial inclusion by using entropy weighting method,and analyzes the characterist-ics of spatial-temporal dynamic divergence and influencing factors of rural financial inclusion with the help of the Dagum Gini coefficient,kernel density estimation,and the GTWR model.The results show that:1)The level of rural financial inclusion in all provinces of the country has been on the rise year by year,and the spa-tial distribution shows the gradient differentiation characteristic of"high on the east coast and low in the cent-ral and western regions",and the"catching-up effect"in the central and western regions is significant;2)The un-evenness of rural financial inclusion shows a fluctuating downward trend and is characterized by polarization,with a particularly pronounced polarization trend in the eastern and central regions;the overall gap in rural financial inclu-sion shows a gradual fluctuating downward trend,with the inter-regional gap being the main source of the overall gap;2)From the spatial characteristics analysis,during the sample period of 2014-2019,the Kernel density estimation of rural financial inclusion in each province showed a significant downward trend,and the width gradually expanded trend,which means that the unevenness of the level of rural financial inclusion across the country,although there is a downward trend,but there is a certain trend of polarization,and the trend of polarization in the eastern and central re-gions is particularly pronounced;in terms of Dagum Gini coefficient,inter-region differences of rural financial inclu-sion are significantly larger than the intra-region differences,and the inter-region differences of rural financial inclu-sion are the main source of the national differences in the level of rural financial inclusion.3)From the analysis of in-fluencing factors,the living standards of rural residents,the rural economic development environment and urban-rural coordination are important dimensions affecting the inclusive development of rural finance,and there is geospatial non-stationarity in their impact.The level of rural employment,the income level of rural residents,and financial literacy can effectively support the inclusive development of rural finance;there is spatial differentiation in the impact of the dimensions of rural economy and urban-rural coordinated development on financial inclusion,and the urban-rural in-come ratio is always a negative effect.In addition,the above influencing factors are more sensitive to changes in the North-South regional differences than in the East-West regions.The findings of this article can clarify the differences and spatial evolution characteristics of the development of rural financial inclusion in China,and help optimize finan-cial resources,synergistically push forward the reform of rural financial markets and promote the level of financial in-clusion.
virtual agglomerationrural financial inclusiongeographically and temporally weighted regres-sionspatio-temporal heterogeneity
万方数据
维普
