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| 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 |
1. School of economics, North Minzu University, Yinchuan 750021, China;
2. School of Economics and Management, Northwest University, Xi'an 710127, China |
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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.
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Received: 24 December 2021
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2022, Vol. 37 
