Based on the digital finance data of 31 provinces in China from 2011 to 2021 and the driving mechanism of the high-quality development of digital finance from the perspective of regional finance,the Dagum Gini coefficient is used to decompose the regional differences in the high-quality development of digital finance in China,and unbalanced regional differences are found.A multi-layer statistical model is further constructed to analyze the structural factors driving the difference of high-quality development of regional digital finance and the embeddedness supplementary chain.The results show that:Regional geography,population,industrial distribution and capital allocation of financial development have significant impacts on high-quality development of digital finance,accounting for 80％;Social embeddedness variables such as social embeddedness structure,network relationship,cognition,culture and policy have a significant direct or indirect impact on the high-quality development of digital finance,accounting for 20％.Therefore,it is believed that"social embedding"is an ideal chain complement tool for the high-quality development of digital finance,and can better integrate the endogeneity and externality of digital finance.It is suggested that we should pay attention to the"social embeddedness"of the high-quality development of regional digital finance,optimize the influence of social embeddedness factors on the high-quality development of digital finance,and ensure the effective docking and complementary chain of the high-quality development of traditional finance and regional digital finance.
关键词
数字金融/高质量发展/差异驱动/社会嵌入/补链
Key words
digital finance/high quality development/difference-driven/social embeddedness/complementary chain
维普
万方数据