The Analysis On The Logic Of Digital Inclusive Financial Development And It’s Provincial-level Imbalance Situations Based On The High-quality Development Requirements

With the layout of digital Inclusive Finance by formal financial institutions,China has gradually formed a digital inclusive financial practice system with formal financial institutions as the main body,leading geese and Internet enterprises as important components.This innovative practice system can not only effectively improve the equalization and fairness of financial services,but also improve the efficiency of financial support for the real economy,taking into account fairness and efficiency.In line with the internal requirements of "high-quality development",it is an important driving force to guide the financial service entity to "get rid of the virtual to the real" and promote the structural reform of the financial supply side.It is also an important starting point for the effective implementation of many key economic work in 2020.Based on this background,the paper will be based on the practice of the development of digital Inclusive Finance in China,integrate it into the digital Inclusive Finance of the formal financial system,outline the practical system of digital Inclusive Finance in China,analyze the logic of the development of digital Inclusive Finance in China,reconstruct the evaluation system of digital Inclusive Finance,and measure the development index and inter provincial development imbalance level of digital Inclusive Finance in China,Empirical research on the influencing factors of inter provincial imbalance in the development of digital Inclusive Finance in China.Finally,based on the corresponding measurement results and empirical conclusions,this paper puts forward corresponding countermeasures and suggestions.The full text is divided into six chapters,and the main conclusions are as follows:(1)The research shows that the digital Inclusive Finance of formal financial institutions and Internet enterprises together constitute the practice system of digital Inclusive Finance in China.Formal financial institutions focus on providing financing support to small and medium-sized and micro enterprises,agriculture,rural areas and farmers,mass entrepreneurship and innovation,which improves the efficiency of financial services to the real economy.Internet enterprises focus on providing businesses closely related to social strata and group life,Improved the fairness of financial services.This shows the development logic of China’s digital Inclusive Finance: integrate digital technology,give consideration to fairness and efficiency,and promote the high-quality development of financial economy.(2)Based on the development logic of China’s digital Inclusive Finance,the research designs the digital inclusive financial service indicators of different service subjects from the dimension of the supply subject of digital inclusive financial services,and from the perspective of the permeability,use effectiveness and digitization degree of digital inclusive financial services,forming two first-class dimensions The three secondary dimensions are a rating system with 21 categories and 70 specific indicators.Among them,Internet enterprises and Internet financial institutions have 29 specific indicators in 9 categories,and formal traditional financial institutions and new financial institutions have 31 specific indicators in 12 categories.Based on this index system,a general index of digital inclusive financial development,two sub indexes of Internet enterprises and Internet financial institutions,and formal traditional financial institutions and new financial institutions have been formed.(3)The research shows that the development imbalance of China’s digital Inclusive Finance is high,and the imbalance level is more than 0.4.The urban-rural income ratio,financial awareness,innovation and entrepreneurship vitality and digital divide are the key factors leading to the development imbalance,and there are strong interactive effects between urban-rural income ratio and digital divide,digital divide and financial awareness and innovation and entrepreneurship vitality.(4)The study proposes to promote the development of digital Inclusive Finance in China from the aspects of implementing the strategy of "narrowing the gap between urban and rural areas and giving priority to digital Inclusive Finance",implementing the "four in one" financial awareness training mechanism,shaping the coordinated development mechanism of digital Inclusive Finance and "agricultural small and micro invasive",and building a national unified digital inclusive financial service platform.