西北地区县域数字金融发展的空间扩散规律与内在机制研究

刘自强; 张天; 田晨阳

doi:10.13959/j.issn.1003-2398.2022.05.017

PDF(3027 KB)

人文地理 ›› 2022, Vol. 37 ›› Issue (5) : 140-149. DOI: 10.13959/j.issn.1003-2398.2022.05.017

经济

西北地区县域数字金融发展的空间扩散规律与内在机制研究

刘自强¹, 张天², 田晨阳¹

作者信息 +

THE RESEARCH ON SPATIAL DIFFUSION LAW AND INTERNAL MECHANISM OF COUNTY DIGITAL FINANCE DEVELOPMENT IN NORTHWEST CHINA

LIU Zi-qiang¹, ZHANG Tian², TIAN Chen-yang¹

Author information +

文章历史 +

摘要

本文基于2014—2018年数字普惠金融指数，从金融地理学视角考察西北县域数字金融空间扩散规律及其内在机制。研究发现：第一，西北县域数字金融发展呈现从低低集聚向高高集聚区间集中的趋势，扩散现象明显。第二，信息技术的运用是数字金融发展与扩散的内生动力，但其有效发挥受传统金融地理结构影响。其会率先在传统金融机构分布较密集的地区发展，并显著体现在覆盖广度和使用深度两个维度。第三，基础设施水平和教育水平是有效的推动力，有助于数字金融向欠发达县域扩散。第四，从细分维度看，基础设施的作用仅体现在覆盖广度上，教育水平的推动作用则表现在覆盖广度与使用深度两个层面，但目前还无法有效促进数字化程度的扩散。

Abstract

In recent years, the rapid development of communication and information technology has promoted the vigorous development of digital finance. Its spatial diffusion law is an important content of financial geography in information society. Therefore, based on the county digital inclusive finance index from 2014 to 2018, this paper investigates the spatial diffusion law and internal mechanism of county digital finance in Northwest China from the perspective of financial geography, hoping to clarify the current situation of rural digital finance development in underdeveloped areas. The results show that: First, there is spatial correlation in the development of digital finance in Northwest counties, and it shows an obvious diffusion phenomenon. Second, the wide use of Internet information technology is the main endogenous driving force for the development and diffusion of rural digital finance, but its effective play will be affected by the traditional financial geographical structure. County digital finance will take the lead in developing in areas with dense spatial distribution of traditional financial institutions, which is significantly reflected in two dimensions: Coverage and use depth. Third, the level of infrastructure and education is an effective driving force, which can promote digital finance to expand the geographical boundary of services. Fourth, from the perspective of subdivision dimension, the role of infrastructure driving force is only reflected in the coverage, while the role of education level is significantly reflected in the coverage and use depth. However, at present, they can not effectively promote the diffusion of digitization to areas with poor traditional financial foundation.

导出引用

刘自强, 张天, 田晨阳. 西北地区县域数字金融发展的空间扩散规律与内在机制研究[J]. 人文地理. 2022, 37(5): 140-149 https://doi.org/10.13959/j.issn.1003-2398.2022.05.017

LIU Zi-qiang, ZHANG Tian, TIAN Chen-yang. THE RESEARCH ON SPATIAL DIFFUSION LAW AND INTERNAL MECHANISM OF COUNTY DIGITAL FINANCE DEVELOPMENT IN NORTHWEST CHINA[J]. HUMAN GEOGRAPHY. 2022, 37(5): 140-149 https://doi.org/10.13959/j.issn.1003-2398.2022.05.017

中图分类号： F823.43

参考文献

[1] 张国俊,周春山,许学强.中国金融排斥的省际差异及影响因素[J]. 地理研究, 2014, 33(12): 2299-2311. [Zhang Guojun, Zhou Chunshan, Xu Xueqiang. Study on the provincial differences and influencing factors of financial exclusion in China[J]. Geographical Research, 2014,33(12):2299-2311.]
[2] 化祥雨,杨志民,叶娅芬.金融空间联系与经济增长关系——基于江苏省县域的实证研究[J]. 经济地理,2016,36(3):32-40. [Hua Xiangyu, Yang Zhimin, Ye Yafen. Spatial linkages of finance and economic growth: Research on counties of Jiangsu province[J]. Economic Geography, 2016,36(3):32-40.]
[3] Knyazeva A, Knyazeva D. Does being your bank's neighbor matter? [J]. Journal of Banking and Finance, 2012,36(4):1194-1209.
[4] 张国俊,周春山,边艳,等.国外金融排斥研究进展评述——基于金融地理学视角[J].人文地理,2015,30(6):19-26. [Zhang Guojun, Zhou Chunshan, Bian Yan, et al. A review of recent progress in financial exclusion researches abroad: From the persective of financial geography[J]. Human Geography, 2015,30(6):19-26.]
[5] Bellucci A, Borisov A, Zazzaro A. Do banks price discriminate spatially? Evidence from small business lending in local credit markets [J]. Journal of Banking and Finance, 2013,37(11):4183-4197.
[6] 宋昌耀,李涛,李国平.地理距离对中国民营企业银行贷款的影响[J]. 地理学报,2021,76(8):1835-1847. [Song Changyao, Li Tao, Li Guoping. The impact of geographical distance on bank loans for China's private enterprises[J]. Acta Geographica Sinica, 2021,76(8): 1835-1847.]
[7] 程惠霞,杨璐.中国新型农村金融机构空间分布与扩散特征[J].经济地理,2020,40(2):163-170. [Cheng Huixia, Yang Lu. The study of spatial distribution and diffusion of new rural financial institutions: Based on Arcgis software[J]. Economic Geography, 2020,40(2):163-170.]
[8] 李小建,周雄飞,卫春江,等.发展中地区银行业空间系统变化——以河南省为例[J]. 地理学报, 2006, 61(4): 414-424. [Li Xiaojian, Zhou Xiongfei, Wei Chunjiang, et al. Locational changes of banking services in the less developed region of China since 1980: The case of Henan province[J]. Acta Geographica Sinica, 2006, 61(4): 414-424.]
[9] 茹乐峰,苗长虹,王海江.我国中心城市金融集聚水平与空间格局研究[J]. 经济地理, 2014, 34(2): 58-66. [Ru Lefeng, Miao Changhong, Wang Haijiang. Research on the level and spatial pattern of financial agglomeration on central cities in China[J]. Economic Geography, 2014,34(2):58-66.]
[10] 刘丙章,高建华,陈名,等.中国外资银行空间网络演化的结构特征及其影响因素[J].人文地理,2020,35(2):84-92,111. [Liu Bing‐zhang, Gao Jianhua, Chen Ming, et al. Structure characteristics and influencing factors of spatial net work evolution of eoreign banks in China[J]. Human Geography, 2020,35(2):84-92,111.]
[11] 粟芳,方蕾.中国农村金融排斥的区域差异：供给不足还是需求不足?——银行、保险和互联网金融的比较分析[J].管理世界,2016(9):70-83. [Su Fang, Fang Lei. Regional differences in China's rural financial exclusion: Insufficient supply or insufficient demand: Comparative analysis of banking, insurance and Internet finance[J]. Management World, 2016(9):70-83.]
[12] 莫媛,沈坤荣.县域银行网点布局与农村信贷资金流动[J].华南农业大学学报(社会科学版),2020,19(3):11-23. [Mo yuan, Shen Kunrong. County bank outlets layout and rural credit capital flow[J]. Journal of South China Agricultural University(Social Sciences Edition), 2020,19(3):11-23.]
[13] 张龙耀,邢朝辉.中国农村数字普惠金融发展的分布动态、地区差异与收敛性研究[J]. 数量经济技术经济研究,2021,38(3):23-42. [Zhang Longyao, Xing Chaohui. Distribution on dynamics, regional difference and convergence of digital inclusive finance in rural China[J]. The Journal of Quantitative and Technical Economics, 2021,38(3):23-42.]
[14] Suri T, Jack W. The long-run poverty and gender impacts of mobile money[J]. Science, 2016,354(6317):1288-1292.
[15] 傅秋子,黄益平.数字金融对农村金融需求的异质性影响——来自中国家庭金融调查与北京大学数字普惠金融指数的证据[J]. 金融研究, 2018(11): 68-84. [Fu Qiuzi, Huang Yiping. Digital finance's heterogeneous effects on rural financial demand: Evidence from China household finance survey and inclusive digital finance index[J]. Journal of Financial Research, 2018(11):68-84.]
[16] 姚耀军,施丹燕.互联网金融区域差异化发展的逻辑与检验——路径依赖与政府干预视角[J]. 金融研究,2017(5):127-142. [Yao Yaojun, Shi Danyan. Exploring regional differences in development of internet finance: Perspectives of path dependence and government interference[J]. Journal of Financial Research, 2017(5): 127-142.]
[17] 罗兴,吴本健,马九杰.农村互联网信贷：“互联网+”的技术逻辑还是“社会网+”的社会逻辑?[J]. 中国农村经济,2018(8):2-16. [Luo Xing, Wu Benjian, Ma Jiujie. Rural internet credit: A technical logic of the "Internet Plus" or a social logic of the "Social Network Plus"? [J]. Chinese Rural Economy, 2018(8):2-16.]
[18] 董晓林,张晔.自然资源依赖、政府干预与数字普惠金融发展——基于中国273个地市级面板数据的实证分析[J]. 农业技术经济, 2021(1):117-128. [Dong Xiaolin, Zhang Ye. Dependence on natural resources, government intervention and development of digital inclusive finance: An empirical analysis based on panel data of 273 prefecture cities[J]. Journal of Agricultural Economy, 2021(1):117-128.]
[19] 星焱. 农村数字普惠金融的“红利”与“鸿沟”[J]. 经济学家,2021(2):102-111. [Xing Yan. "Dividend" and"gap"of rural digital inclusive finance[J]. Economist, 2021(2):102-111.]
[20] 李明贤,郑洲舟,陈铯.县域数字普惠金融发展的空间格局演化与影响因素分析——以湖南省为例[J]. 经济地理,2021,41(8):136-143. [Li Mingxian, Zheng Zhouzhou, Chen Se. Development level of county digital inclusive finance: Spatial pattern evolution and influencing factors analysis: Take Hunan province as an example[J]. Economic Geography, 2021,41(8):136-143.]
[21] 张天,刘自强.数字普惠金融发展的县域差异及其影响因素研究[J]. 武汉金融,2021(7):27-34,61. [Zhang Tian, Liu Ziqiang. Study on county differences and influencing factors of digital inclusive financial development[J]. Wuhan Finance, 2021(7):27-34,61.]
[22] Nasri W, Charfeddine L. Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior[J]. Journal of High Technology Management Research, 2012,23(1):1-14.
[23] 王瑶佩,郭峰.区域数字金融发展与农户数字金融参与：渠道机制与异质性[J]. 金融经济学研究,2019,34(2):84-95. [Wang Yaopei, Guo Feng. Regional digital finance development and peasant households' participation in digital finance: Channel mechanism and heterogeneity[J]. Financial Economics Research, 2019,34(2):84-95.]
[24] 王雪,何广文.中国县域普惠金融发展的空间非均衡及收敛性分析[J]. 现代经济探讨,2020(2):41-49. [Wang Xue, He Guangwen. Analysis on spatial disequilibrium and convergence of inclusive financial development in China's counties[J]. Modern Economy Research, 2020(2):41-49.]
[25] 刘澜飚,沈鑫,郭步超.互联网金融发展及其对传统金融模式的影响探讨[J]. 经济学动态,2013(8):78-83. [Liu Lanbiao, Shen Xin, Guo Buchao. Discussion on the development of internet finance and its impact on traditional financial model[J]. Economic Perspectives, 2013(8):78-83.]
[26] 孙继国,赵俊美.普惠金融是否缩小了城乡收入差距?——基于传统和数字的比较分析[J]. 福建论坛(人文社会科学版),2019(10): 179-189. [Sun Jiguo, Zhao Junmei. Has inclusive finance narrowed the income gap between urban and rural areas? Comparative analysis based on traditional and digital[J]. Fujian Tribune, 2019(10):179-189.]
[27] 周利,冯大威,易行健. 数字普惠金融与城乡收入差距：“数字红利”还是“数字鸿沟”[J].经济学家,2020(5):99-108. [Zhou Li, Feng Dawei, Yi Xingjian. Digital inclusive finance and urban-rural income gap: "Digital dividend" or "digital divide"[J]. Economist, 2020(5):99-108.]
[28] 郭峰,王瑶佩.传统金融基础、知识门槛与数字金融下乡[J].财经研究,2020,46(1):19-33. [Guo Feng, Wang Yaopei. Traditional financial basis, knowledge threshold and digital finance for farmers [J]. Journal of Financial and Economics, 2020,46(1):19-33.]
[29] 葛和平,朱卉雯.中国数字普惠金融的省域差异及影响因素研究[J]. 新金融,2018(2):47-53. [Ge Heping, Zhu Huiwen. Research on provincial differences and influencing factors of digital inclusive finance in China[J]. New Finance, 2018(2):47-53.]
[30] 张德钢,朱旭森.中国九大城市群数字普惠金融发展的时空差异及动态演进[J]. 当代经济管理,2020,42(12):88-96. [Zhang Degang, Zhu Xusen. Spatiotemporal differences and dynamic evolution of digital financial inclusion in China's nine major city clusters [J]. Contemporary Economic Management, 2020,42(12):88-96.]
[31] 田霖.互联网金融视域下金融地理学研究的新动态述评[J].经济地理,2016,36(5):9-16,25. [Tian Lin. New developments of financial geography from the perspective of Internet finance[J]. Economic Geography, 2016,36(5):9-16,25.]
[32] 彭澎,徐志刚.数字普惠金融能降低农户的脆弱性吗?[J].经济评论,2021(1):82-95. [Peng Peng, Xu Zhigang. Can digital inclusive finance reduce the vulnerability of peasant households?[J]. Economic review, 2021(1):82-95.]
[33] 邹新月,王旺.数字普惠金融对居民消费的影响研究——基于空间计量模型的实证分析[J].金融经济学研究,2020,35(4):133-145. [Zou Xinyue, Wang Wang. The impact of digital financial inclusion on household consumption: An empirical analysis based on a spatial econometric model[J]. Financial Economics Research, 2020, 35(4):133-145.]
[34] 汪亚楠,谭卓鸿,郑乐凯.数字普惠金融对社会保障的影响研究[J]. 数量经济技术经济研究,2020,37(7):92-112. [Wang Yanan, Tan Zhuohong, Zheng Lekai. The impact of digital inclusive finance on social security[J]. The Journal of Quantitative and Technical Economics, 2020,37(7):92-112.]