金融科技改变金融生活，当前只包含传统金融业务和金融机构的指标体系已经不能真正反映区域的金融包容发展状况。文章将风险容忍度和数字金融指标纳入金融包容的指标体系，采用变异系数和欧式距离法构建互联网金融背景下中国31个省份在2011-2015年的金融包容指数，并运用泰尔系数剖析了各省市、各区域金融包容的空间差异、变化趋势及存在短板。研究表明：全国金融包容水平除北京、上海外均处于较低水平，但存在上升趋势；东部地区金融包容的内部差异最大，而区际的发展差异在逐渐缩小。通过金融包容指数与数字普惠金融指数的对比分析，以及各省在传统金融和数字普惠金融发展上的不同表现，提出传统金融与数字金融协调发展的相关建议：以金融科技驱动金融包容性发展；提高公众金融素养；走差异化发展道路；推动区域内协调发展及区域间相互合作等。

Financial technology is changing financial life, whereas the current indicator system which only includes traditional financial services and institutions can no longer truly reflect the financial inclusive development of different regions.This paper incorporates risk tolerance and digital financial indicators into the financial inclusion index system, and uses the coefficient of variation and Euclidean distance method to construct the financial inclusion index of 31 provinces and cities in China under the background of Internet finance from 2011 to 2015.Besides, the author uses Theil Coefficient to analyze the spatial differences, trends and weakness of financial inclusion in various provinces, cities and regions.The research shows that:1) Financial inclusion levels of almost all regions are at a relatively very low level except Beijing and Shanghai, but there is a steady upward slope.2)The internal differences of financial inclusion in the eastern region are the largest, while the differences between regions are gradually narrowing.Through the comparative analysis of the financial inclusion index and the digital inclusive financial index, and the different performances of the provinces in the development of traditional inclusive finance and digital inclusive finance, the following suggestions are proposed:Driving financial inclusive development with financial technology;Improving public financial literacy;Taking the path of differentiated development; Promoting coordinated development within the region and stimulating mutual cooperation between regions.

F724.6;F832

国家哲学社会科学基金项目"互联网金融视域下普惠金融的发展误区与金融包容体系的构建研究"（15BJY166）；河南省软科学项目"河南省高成长性科技型中小企业（独角兽）培育发展及评价研究"（192400410171）；郑州大学尤努斯社会企业中心资助项目