Spatio-temporal Evolution Influencing Factors of Digital Inclusive Finance in the Yellow River Basin
An examination of the digital financial inclusion in 89 cities in the Yellow River Basin from 2011 to 2021 was conducted using Dagum Gini coefficient and spatial autocorrelation analysis,and the time fixed effects SDM model was employed to assess the influencing factors.The research shows that:(1)On the whole,digital in-clusive finance in the Yellow River Basin is on a slow upward trend,with a distribution pattern of"high in the east and low in the west,high in the north and low in the south",and the growth rate shows an evolutionary pattern of"fast in the southwest and slow in the north".(2)The Gini coefficient has been gradually narrowing over the course of the study,with the intra-regional difference being downstream>middlestream>upstream,and the inter-regional difference being upstream-downstream>middle-downstream>upstream-middlestream.The main source of the overall difference is the contribution rate of hypervariable density.(3)Digital inclusive finance in the Yellow River Basin shows a fluctuating and rising spatial agglomeration trend,and is dominated by"high-high"and"low-low"types,while"high-low"and"low-high"types are relatively scattered.(4)Digital inclusive finance benefits from factors like economic development,traditional financial development,and population density,whereas educa-tion has a detrimental impact,with positive spillover effects from industrial structure and geographic location,and negative spillover effects from government support and internet development.
spatial-temporal evolutionDagum Gini coefficientspatial autocorrelation analysisSDM mod-elYellow River Basin
NETL
NSTL
万方数据
维普
