Research on the Distribution Dynamics Regional Differences and Influencing Factors of Digital Inclusive Finance Development in Chinese Cities
Based on the panel data of cities from 2011-2021,this paper divides them into four different city groups:first-tier city,second-tier city,third-tier city and below third-tier city.The results show that:1)Since 2011,the development level of digital inclusive finance in each city has been increasing year by year,but the development speed has slowed down after 2017.2)At present,the development of digital inclusive finance in Chinese cities is unbalanced,which shows the characteristics of ladder distribution.3)During the investigation period,the overall difference in the development level of digital inclusive finance in China is small,and the overall Gini coefficient shows an irregular L-shape.4)The differences in the development level of digital inclusive finance in Chinese cities are mainly caused by the differences between regions.5)Economic growth,industrial structure,government intervention and traditional financial development are the driving factors for the development of urban digital inclusive finance,but there are differences in different levels of cities.It also puts forward some suggestions,such as attaching importance to the role of digital inclusive finance,correctly understanding the development differences of urban digital inclusive finance,and promoting the development level of urban digital inclusive finance in China through differentiation.
digital inclusive financedistribution dynamicsregional differencesinfluencing factors
NETL
NSTL
万方数据
