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

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。

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

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.