Spatial Pattern Characteristics of Urban Agglomerations’ Digital
Inclusive Finance in China
He Lian1 Shao Chunzi2,*
(1.School of Economics, Shenzhen Polytechnic University, Shenzhen Guangdong, 518000;
2.Zhuhai College of Science and Technology, Zhuhai Guangdong, 519000;)
Abstract: As a unique financial carrier across provinces, urban agglomerations are an important platform for the development of digital inclusive finance in China. This article uses the Gravity model, Moran Index and Dagum Coefficient to study the digital inclusive finance of urban agglomerations. The conclusions are that the development of digital inclusive finance in urban agglomerations lagged behind provincial development, with the growth of 4.44 times from 2011 to 2021. The growth rate shrank by 30.43%. The digital inclusive financial echelon of urban agglomerations is evenly distributed and structurally stable. The coordinates of gravity center shew that the urban agglomerations moved towards central part (especially secondary central part) and the border. These movements tended to solidification. The global agglomeration of digital inclusive finance was significantly synergistic, but partial agglomeration was not ideal. The major pattern of agglomeration was low-low agglomeration, with an assisted pattern of high-high one.The pattern was changing better gradually. The spatial gap among urban agglomerations continued to narrow, with the gap among urban agglomerations larger than that within urban agglomerations,and the main gap laying to the overlapping phenomenon among urban agglomerations. Therefore, this article suggests promoting the institution construction of digital inclusive finance in urban agglomerations, strengthening the driving effect of advantageous urban agglomerations, building bridges of “Financing from East to West”, so as to accelerate the collaborative development of digital inclusive finance in urban agglomerations, and form a balanced spatial pattern of development in urban agglomerations’ digital inclusive finance in China.
Keywords: Urban agglomeration research; Digital finance; Digital Inclusive Finance Index;Center of gravity movement model; Spatial pattern characteristics
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