Research on the construction of digital financial inclusion index and its spatial distribution characteristics
数字普惠金融指数构建及其空间分布特征的研究

摘要

随着信息技术的飞速发展和金融创新的不断深入，数字普惠金融已成为推动金融领域改革的重要力量[1]。数字普惠金融通过互联网、移动通信等数字技术，降低金融服务门槛，拓宽金融服务范围，有效缓解了传统金融服务在地域、时间、成本等方面的限制，为小微企业和广大农村地区提供了更加便捷、高效的金融服务。中国作为数字普惠金融的积极实践者和推动者，其发展速度和规模在全球范围内具有重要影响。本文旨在构建一个全面、客观、科学的测度体系，编制中国数字普惠金融发展指数，并在此基础上深入分析中国数字普惠金融的空间特征。通过对不同地区数字普惠金融发展水平的比较分析，揭示其空间分布规律，为优化金融资源配置、促进金融服务均等化提供理论依据和政策建议[2]。

Abstract

With the rapid development of information technology and the continuous deepening of financial innovation, digital inclusive finance has become an important force in promoting reform in the financial sector. Digital inclusive finance uses digital technologies such as the Internet and mobile communications to lower the thresholds for financial services, broaden the scope of financial services, and effectively alleviate the limitations of traditional financial services in terms of geography, time, and cost. It provides more convenient and efficient financial services to small and micro-enterprises and rural areas. As an active practitioner and promoter of digital inclusive finance, China's development speed and scale have significant global influence. This paper aims to build a comprehensive, objective, and scientific measurement system to compile the China Digital Inclusive Finance Development Index. Based on this, it deeply analyzes the spatial characteristics of China's digital inclusive finance. By comparing and analyzing the development levels of digital inclusive finance in different regions, it reveals the laws of spatial distribution and provides theoretical basis and policy suggestions for optimizing the allocation of financial resources and promoting the equalization of financial services.