基于2011-2020年中国金融科技发展数据,运用Dagum基尼系数和β收敛模型分析金融科技发展的区域差异及空间收敛性。研究结果表明：(1)中国整体上金融科技发展的差距相对较大,但基尼系数整体上呈现下降趋势,协调性逐渐增强,整体差距逐渐缩小。中国各区域间的金融科技发展存在明显的差异,东部地区与西部地区发展差距最大。(2)区域间净值差异贡献均值为56.79%,是中国各省份金融科技发展差异的主要原因。(3)从中国整体视角来看,考察样本期间内金融科技发展始终处于收敛状态。东部和中部地区金融科技发展水平在收敛状态、收敛速度均存在明显的差距。

In this study, the regional differences and spatial convergence of FinTech development are investigated using the Dagum Gini coefficient and the β convergence model based on China"s FinTech development data from 2011 to 2020. As revealed by the result of this study, (1) the gap is relatively significant in the overall FinTech development in China. However, the Dagum Gini coefficient shows a downward trend on the whole, the coordination is gradually enhanced, and the overall gap is gradually narrowed. There are significant differences in the FinTech development among different regions in China, with the most significant development gap between the eastern region and the western region. (2) The average contribution of the difference in net worth between regions is obtained as 56.79%, which largely leads to the difference in the FinTech development among different provinces in China. (3) From the overall perspective of China, the FinTech development has constantly been in a state of convergence during the period of sample survey.

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国家自然科学基金面上项目（72073024）；对外经济贸易大学研究生科研创新项目（202245）