A Study On The Evolution Of Spatial And Temporal Patterns Of Digital Inclusive Finance And The Influencing Factors

With digital technology as the backbone and traditional finance as the foundation,digital inclusive finance has emerged.Digital inclusive finance can break the limitations of time and space,promote the service efficiency of traditional inclusive finance and reduce the cost of products,and further promote the deep development of the financial industry.However,as the speed of development of digital inclusive finance increases and the degree of development deepens,regional differences gradually emerge,and synergistic development across regions becomes a key focus.To this end,focusing on the evolution of the spatial and temporal patterns of digital inclusive finance will help explore the development rules of digital inclusive finance.Based on theories related to digital inclusive finance and taking the current situation of digital inclusive finance development in Henan Province as the starting point,this paper analyzes the evolution of regional differences in digital inclusive finance in Henan counties through two dimensions: time and space,and selects representative influencing factors to empirically test their impact on the development of digital inclusive finance in Henan Province and different counties.It was found that the level of development of digital inclusive finance in Henan Province,supported by various factors such as economy and policies,increased significantly during the study period.However,the imbalance in the development of digital inclusive finance in counties in Henan Province is prominent,and economic,social,educational and government elements are important factors in enhancing the level of digital inclusive finance development in counties and reducing development differences.Therefore,in order to reduce regional differences in the level of development of digital inclusive finance and achieve synergistic development across regions,Henan Province should focus on the following four aspects: firstly,allocate financial resources rationally and maintain a good development trend;secondly,promote digital inclusive finance in a differentiated manner and develop diversified development strategies according to local conditions;thirdly,promote synergistic development of digital inclusive finance and reduce regional differences;fourthly,improve residents’ financial literacy and improve participation in financial activities.