本报告综合信息经济学、区域经济学和空间经济学相关理论，剖析数字普惠金融发展对区域趋同的影响机理，进而测度2011～2018年长江流域三大城市群数字普惠金融的空间溢出效应，并建立空间杜宾面板数据模型，实证分析其促进区域趋同的影响路径和空间作用特征，同时结合实证结果提出提升长江流域城市群数字普惠金融发展质量、优化数字普惠金融发展格局的政策建议。
This report synthesizes the relevant theories of information economics，regional economics and spatial economics，analyzes the impact mechanism of digital financial inclusion development on regional convergence，and then measures the spatial spillover effect of digital financial inclusion in the three major urban agglomerations of the Yangtze River Basin from 2011 to 2018，and establishes a spatial Durbin panel data model，empirically analyzes its impact path and spatial role characteristics of promoting regional convergence，and finally puts forward policy suggestions for optimizing the development pattern of digital financial inclusion and improving the quality of development in cities in the Yangtze River Basin in combination with the empirical results.
