Cross‐regional comparative study on digital finance and finance efficiency in China: The eastern and non‐eastern areas

Wang, Qian; Yang, Jinbao; Chiu, Yung‐ho; Lin, Tai Yu

doi:10.1002/mde.3667

Cited by 3 publications

(3 citation statements)

References 45 publications

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“…(1) The imbalance of development of digital financial inclusion in China. It was found that there are regional differences in the development of digital financial and the development of the eastern region is generally better than that of other regions, which is consistent with the study of Wang et al [5]. The digital financial inclusion in the western region has the fastest growth, but the development gap between western and eastern regions is still large.…”

Section: Discussionsupporting

confidence: 86%

“…Arguably, there are also national gaps in the development of digital inclusive finance. With regard to China's regions, the introduction of digital inclusion has resulted in better financial efficiency in the east regions than in the non-east regions, with the development of digital inclusive finance in the central and west regions lagging behind [5,35].…”

Section: Literature Reviewmentioning

confidence: 99%

“…Jiang et al [4] also pointed out that there are differences in the development level of inclusive finance in different provinces in China. Wang et al [5] studied digital finance and found that the overall financial efficiency, input efficiency and output efficiency in eastern China were better than those in non-eastern China. Digital inclusive finance is a form of financial services developed on the basis of traditional finance, inclusive finance and digital finance.…”

Section: Introductionmentioning

confidence: 99%

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The Structural Causes and Trend Evolution of Imbalance and Insufficiency of Development of Digital Inclusive Finance in China

et al. 2023

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In this paper, to provide references for coordinating the development of digital inclusive finance between provinces and regions in China, we measure the digital financial inclusion index of 31 provinces in China from 2011 to 2020 based on three dimensions: coverage breadth, depth of use and digitalization degree. By means of the weighted Dagum Gini coefficient and quantile standardization, we explored the degree of imbalance and insufficiency of the development of digital inclusive finance in China and four major regions and its structural causes. Using the Kernel density estimation method and Markov chain analysis method, we further investigate the evolution trend of imbalance and insufficiency. The study finds that (1) the Digital Inclusive Financial Index in China and the four major regions rose significantly, with the COVID-19 epidemic reducing its growth rate. Of these, the eastern region has the highest development level. (2) The imbalance level of digital inclusive finance development obviously has reduced. The level of imbalance is highest within the eastern region, and the development gap between the eastern and western regions is the widest. The imbalance of overall development is mainly due to regional imbalance. The imbalance of coverage breadth and depth of use is the main structural cause of unbalanced development in the four major regions. There is a trend of bipolarization or multipolarization in China and the other three major regions, with the exception of the central region. (3) The western region is the least developed. The development shortcoming of digital inclusive finance in China and the four major regions is the breadth of coverage. There are the “Club Convergence” and the “Matthew Effect” in the eastern, central and western regions.

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Section: Discussionsupporting

confidence: 86%

Section: Literature Reviewmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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The Structural Causes and Trend Evolution of Imbalance and Insufficiency of Development of Digital Inclusive Finance in China

et al. 2023

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The Structural Causes and Trend Evolution of Imbalance and Insufficiency of Development of Digital Inclusive Finance in China

Chen¹,

Chu²,

Zhang³

et al. 2023

Preprint

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In the paper, we measure the digital financial inclusion index of 31 provinces in China from 2011 to 2020 based on three dimensions: coverage breadth, depth of use and digitalization degree. By means of weighted Dagum Gini coefficient and quantile standardization, we explored the degree of imbalance and insufficiency of the development of digital inclusive finance in China and four major regions and its structural causes. Using Kernel density estimation method and Markov chain analysis method, we further investigates the evolution trend of imbalance and insufficiency. The study finds that (1) the Digital Inclusive Financial Index in China and the four major regions rise significantly, with the COVID-19 epidemic reducing its growth rate. Of these, the eastern region has the highest development level. (2) The imbalance level of digital inclusive finance development obviously has reduced. The level of imbalance is highest within the eastern region, and the development gap between the eastern and western regions is the widest. The imbalance of overall development is mainly due to the regional imbalance. The imbalance of coverage breadth and depth of use is the main structural cause of unbalanced development in the four major regions. There is a trend of bipolarization or multipolarization in China and the other three major regions, with the exception of the central region. (3) The western region is the least developed. The development shortcoming of digital inclusive finance in China and the four major regions is the breadth of coverage. There are "Club Convergence" and "Matthew Effect" in the eastern, central and western regions.

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Can Digital Finance Help Firms to Reduce Their Over-Indebtedness? Evidence from Chinese Listed Companies

Nisar,

Xiangli,

et al. 2023

Preprint

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Cross‐regional comparative study on digital finance and finance efficiency in China: The eastern and non‐eastern areas

Cited by 3 publications

References 45 publications

The Structural Causes and Trend Evolution of Imbalance and Insufficiency of Development of Digital Inclusive Finance in China

The Structural Causes and Trend Evolution of Imbalance and Insufficiency of Development of Digital Inclusive Finance in China

The Structural Causes and Trend Evolution of Imbalance and Insufficiency of Development of Digital Inclusive Finance in China

Can Digital Finance Help Firms to Reduce Their Over-Indebtedness? Evidence from Chinese Listed Companies

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