【摘要】 当前,在传统金融机构加大普惠金融实践的同时,依托智能算法、大数据和云计算等创新技术的数字金融模式进一步拓展了普惠金融的触达能力和服务深度。为了科学准确地刻画中国数字普惠金融的发展现状,为相关领域的研究提供工具性的基础数据,我们利用中国一家代表性数字金融机构数以亿计的微观数据,编制了一套2011—2018年覆盖中国内地31个省、337个地级以上城市和约2 800个县域的"北京大学数字普惠金融指数"。该指数刻画了中国不同地区数字普惠金融的发展趋势:中国数字普惠金融总体上表现出了很强的地区收敛特征,同时也展现了很强的空间集聚性和空间异质性。更多还原

【Abstract】 Enabled by innovative technologies such as intelligent algorithms, Big Data and cloud computing, digital finance has demonstrated great potential for enhancing financial inclusion. Compared with traditional financial institutions, digital finance offers financial services to a wider population at a lower cost. Over the past one and half decades, China has established the largest and arguably most dynamic digital finance sector in the world. Using a large dataset provided by a dominant firm in China’s digital financial industry, we compiled the Peking University Digital Financial Inclusion Index of China to present an accurate and in-depth depiction of how digital financial inclusion has developed in China.Our index covers approximately 2800 counties, 337 cities and 31 provinces, over the period 2011-2018. In this paper, we describe the methodology of constructing this index before characterizing the current status of digital financial inclusion in China. We show that digital finance has demonstrated a clear trend of regional convergence and its development exhibited spatial agglomeration and heterogeneity.更多还原