The measurement and spatial-temporal evolution feature of digital finance development level for Chinese banking industry

被引：0
|
作者：
Ming L. [1 ,2 ]
Ye B. [1 ]
Lu W. [1 ]
Yang S. [3 ,4 ]
机构：
[1] School of Finance and Statistics, Hunan University, Changsha
[2] Financial Development and Credit Management Research Center of Hunan University, Changsha
[3] School of Finance, Hubei University of Economics, Wuhan
[4] Hubei Financial Development and Financial Security Research Center, Wuhan
来源：
Xitong Gongcheng Lilun yu Shijian/System Engineering Theory and Practice | 2024年 / 44卷 / 04期
基金：
中国博士后科学基金;
关键词：
digital finance; distribution dynamic; evolutionary feature; regional differences;
D O I：
10.12011/SETP2023-0007
中图分类号：
F4 [工业经济];
学科分类号：
0202 ; 020205 ;
摘要：
In the era of digital economy, the competition pattern of China’s banking industry is undergoing tremendous changes, and various digital technologies affect the business model and development level of banks. Based on the perspective of the integration of big data and traditional data, this paper uses factor analysis to measure the digital finance development level of 120 commercial banks in China from 2009 to 2019. Then, the kernel density estimation and the spatial panel Dubin model are used to investigate the temporal and spatial variation characteristics of the digital finance development for banks in China from two perspectives of time and space, and the evolution feature of regional differences and sources of bank digital finance is analyzed. Finally, the interactive relationship between the digital finance development level of banks and regional digital inclusive finance is examined. It is found that the digital finance level of Chinese commercial banks shows polarization differences over time. In the eastern region, there is a mutual promotion effect between bank digital finance and regional digital inclusive finance, while in the northeast region, there will be a suppression effect. In the central and western regions, there is no obvious interaction between them. This paper enriches the construction system of digital finance level measurement, and provides important reference experience for revealing the differences in the development of digital finance. It also explores countermeasures for synergistic improvement with regional digital inclusive finance. © 2024 Systems Engineering Society of China. All rights reserved.
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收藏
页码：1169 / 1180
页数：11
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