Research on spatial differences of financial inclusion under the background of Internet finance
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F724.6;F832

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    Abstract:

    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.

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田霖,余小凤,韩岩博.互联网金融背景下金融包容的空间差异研究[J].重庆大学学报社会科学版,2020,26(2):1~16

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History
  • Received:
  • Revised:June 17,2019
  • Adopted:
  • Online: March 14,2020
  • Published: