Advances in International Finance

With the rapid development of information technology and the continuous deepening of financial innovation, digital inclusive finance has become an important force in promoting reform in the financial sector. Digital inclusive finance uses digital technologies such as the Internet and mobile communications to lower the thresholds for financial services, broaden the scope of financial services, and effectively alleviate the limitations of traditional financial services in terms of geography, time, and cost. It provides more convenient and efficient financial services to small and micro-enterprises and rural areas. As an active practitioner and promoter of digital inclusive finance, Chinas development speed and scale have significant global influence. This paper aims to build a comprehensive, objective, and scientific measurement system to compile the China Digital Inclusive Finance Development Index. Based on this, it deeply analyzes the spatial characteristics of Chinas digital inclusive finance. By comparing and analyzing the development levels of digital inclusive finance in different regions, it reveals the laws of spatial distribution and provides theoretical basis and policy suggestions for optimizing the allocation of financial resources and promoting the equalization of financial services.

Digital inclusive finance; Development index; Spatial characteristics; Allocation of financial resources