The evolution characteristics of digital financial inclusion in Chinese urban agglomerations and its effects on high-quality development
On the basis of exploring the theoretical relationship between digital financial inclusion and high-quality development,this paper uses the Dagum Gini coefficient,spatial autocorrelation,and spatial Durbin model to analyze the evolution characteristics of digital financial inclusion in 20 urban agglomerations of China from 2011 to 2021 and its impact on high-quality development.The effect of development was analyzed,and the research found that:(1)In terms of overall level,the development of digital financial inclusion in Chinese urban agglomerations shows an upward trend,and their disparities are gradually narrowing.From the perspective of the spatial organization pattern of urban agglomerations,the digital financial inclusion presents a decreasing trend from national-evel,regional-level,to local-level.In terms of intra-cluster differences,the national-level city clusters have the largest differences,while the local city clusters have the smallest.(2)The digital financial inclusion of urban agglomerations in China has the characteristics of spatial agglomeration,and the agglomeration types are mainly HH and LL types.This pattern of concentration is remarkably aligned with the spatial attributes associated with high-quality development.(3)The empirical findings reveal that in urban agglomerations,digital financial inclusion exerts a substantial positive influence on high-quality development,with its direct impact surpassing the indirect consequences.This direct impact reflects the immediate benefits of digital finance in enhancing economic activities and fostering growth.Moreover,there is a notable heterogeneity in the spatial effects of this phenomenon.Specifically,the influence on national-level urban agglomerations is more pronounced compared to other urban clusters.This disparity suggests that national-level urban areas,with their advanced infrastructure and greater economic dynamism,are better positioned to leverage the advantages of digital financial inclusion.This leads to a more significant and measurable enhancement in their development quality compared to other less developed urban agglomerations.Therefore,for digital financial inclusion to effectively contribute to the high-quality development of urban agglomerations,strategies need to be tailored to specific clusters.It is essential to develop targeted strategies for urban agglomerations at different levels to aid in leading China's economy towards high-quality development.This approach acknowledges the unique characteristics and needs of each urban agglomeration,ensuring that the development of digital financial inclusion is aligned with regional development goals,thereby fostering a more balanced and sustainable economic growth across the nation.
digital financial inclusionhigh-quality developmentspatial Durbin modelurban agglomeration
万方数据
维普
