数字金融、银行竞争、区域金融面板数据分析

彭 文柯
湖南工商大学

摘要


随着数字经济与互联网+金融的的不断发展，数字普惠金融越来越被认为是许多国家实现可持续发展的一
个重要手段，数字普惠金融已经重塑了现代金融体系，对中国区域金融稳定产生重要影响。我们利用中国31个省市
的2012年至2019年的面板数据，对数字普惠金融指数以及目前我国银行业竞争程度进行空间演化分析，同时运用空
间杜宾模型来研究数字普惠金融对区域金融稳定的影响，我们在此基础上考虑到了银行结构性竞争对普惠金融发展
及区域金融稳定两者关系的影响，最后研究数字普惠金融指数的哪个类型指标更有可能损害区域金融稳定性。

关键词


数字普惠金融；银行竞争程度；区域金融稳定；空间杜宾模型

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