【摘要】 选取江西省11个地级市2005—2019年的面板数据，运用Dagum基尼系数、kernel密度估计、马尔科夫链等方法，探讨了江西省普惠金融发展水平的区域差异和动态演进。研究发现：江西省普惠金融发展水平较低，Dagum基尼系数显示江西省普惠金融总体差异在降低；分地区来看，赣北地区区域内差异最大，赣中南地区区域内差异最小；区域间差异是造成江西省普惠金融非均衡发展的主要原因。kernel密度估计显示，江西省普惠金融发展水平在不断提高，整体和4个地区的两极分化现象很小。马尔科夫链的转移概率显示不同类型的城市转移多发生在相邻类型之间，跨类型转移的概率较小。更多还原

【Abstract】 This paper selects panel data of 11 prefecture-level cities in Jiangxi Province from 2005 to 2019,and uses Dagum Gini coefficient, kernel density estimation and Markov chain to explore the regional differences and dynamic evolution of inclusive finance development level in Jiangxi Province.The research findings suggest that the development level of inclusive finance in Jiangxi Province is low.Dagum Gini coefficient shows that the overall difference of inclusive finance in Jiangxi Province is decreasing.In terms of regions, the regional difference is the largest in northern Jiangxi and the smallest in central Jiangxi.Regional differences are the main source of the unbalanced development of inclusive finance in Jiangxi Province.Kernel density estimation shows that the development level of inclusive finance in Jiangxi Province is constantly improving, and the polarization phenomenon of overall and four regions is very small.Markov chain shows that different types of urban transfer mostly occur between adjacent types and the probability of cross-type transfer is very small.更多还原