Study On The Spatiotemporal Evolution And Influencing Factors Of Digital Inclusive Finance In County Areas Of Jiangxi Province

The report of the 20 th National Congress of the Communist Party of China proposed: “To build a coordinated development pattern of large and small cities based on city clusters and metropolitan areas,and to promote urbanization construction with county areas as an important carrier.” Countries,as the most basic research unit of regional economy,the development quality of the whole national economy depends on the development of county economy to some extent.However,the unbalanced development of county economy is becoming increasingly prominent,and the supply of county financial services is still low.In the context of the new round of scientific and technological revolution,the development wave of digital inclusive finance has brought a new opportunity for the high-quality development of county economy.Digital inclusive finance can break through regional restrictions and effectively ease the constraints of demand credit.In this context,exploring the temporal and spatial evolution and influencing factors of county-level digital inclusive finance has important practical significance for narrowing the development gap between counties and promoting the integrated development of urban and rural areas.Based on the county data of Jiangxi Province from 2016 to 2021,this paper adopts the kernel density estimation method and the spatial exploratory data analysis method to study the Spatial-Temporal Pattern Evolution of digital financial inclusion at county-level,and uses the spatial econometric model to make an empirical analysis of its key influencing factors.The results show that: First,from the perspective of temporal evolution characteristics,the development level of digital inclusive finance at county level in Jiangxi Province generally shows an increasing trend year by year,but there is a significant gradient difference,showing a trend of decreasing absolute difference and expanding relative difference.Second,from the perspective of spatial evolution characteristics,digital inclusive finance at county level in Jiangxi Province has significant spatial agglomeration characteristics.The high-high agglomeration areas are mainly distributed in Nanchang and Jiujiang municipal districts and counties,while the low-low agglomeration areas are mainly concentrated in Ji ’an and Fuzhou municipal districts and counties,showing a spatial distribution trend of “high in the north and low in the middle.” Thirdly,from the perspective of influencing factors,the informatization level,economic development level and government scale all play a significant positive role in promoting the development of digital inclusive finance at county-level,among which the informatization level plays the most prominent role,and the economic development level,traditional financial development level and education level have a significant negative spatial spillover effect.In addition,the development level of digital inclusive finance at county level in Jiangxi Province has a significant positive spatial spillover effect,that is,digital inclusive finance in neighboring counties can promote the development of digital inclusive finance at local county level.Based on the above conclusions,this paper puts forward the following policy suggestions: First,to promote coordinated development among counties and narrow the development gap of digital finance;second,to optimize the spatial pattern of digital inclusive finance at county level and promote the differentiated development of digital inclusive finance at county level;Give full play to the spatial spillover effect of digital inclusive finance at county level and break the inherent geographical restrictions.